Thread: Insurance

I been in the lawn service business for three years. Filed my company name with the state and county, etc. My questions is insurance. Where I live the state does not require that I have a lenience since they classified what I do as maintenance. Should I carry insurance? Nothing I can find says I have to. All my customer know I don't an are ok with that. I have two new clients that are asking what type of insurance I carry. Has any one been in this situation? And how did you handle it. Thanks for you time and reply.

YES, carry a commercial general liability policy. It's dirt cheap. But more than that, the first time you accidentally hit someone's vinyl siding or tree with a trimmer, or a fence with a mower, you'll be glad you have a policy. And those are the things very possible. Other things, like injuring someone are possible too - and is the real reason you carry it. Really...it's very inexpensive for a small LCO.